Can I retire at age 35 with 1,390,000?

Use the below retirement simulation to view the chances of a successful retirement.
About Your Retirement ?
Current Age
Retirement Age
Current Savings $
Annual Deposits $
Annual Withdrawals $
Stock market crash:
Portfolio ?
% in Stocks:
% in Bonds:
% in Cash:
Modify Stock Returns:
0%
Modify Bond Returns:
0%
Modify Cash Returns:
0%
Modify Inflation:
0%
How much money do I need to retire?

This retirement calculator runs simulations based on past data from the S&P 500, 10 Year Treasury Bond, 3 month T-Bill, and US inflation. For each year of each simulation, a random return and inflation amount is chosen.

How to use: Enter your current age and the age when you retire. Then enter your current savings, the amount that you can save annually before you retire, and the amount that you plan to withdraw after retirement. Your annual deposits and withdrawals take inflation into account. For example, if you need $50,000 to live on in retirement using today's dollars, we will automatically take into account the cost of living for your retirement years. The same is true for your annual deposits. Next, decide if you'd like to simulate a stock market crash.

In the portfolio section, choose the makeup of your portfolio with stocks, bonds, and cash. Cash assumes that your money is stored in a savings account. You can then alter the future returns and inflation. For example, if the market has historically returned about 10%, but you think the future will be worse, modify the stock returns by -3%, and the future returns will average out to 7%. Investment fees can also lower stock market returns. Many index funds and ETFs offer extremely low fees and expenses.

Many people receive income in retirement, such as social security, pension plans, part time jobs, annuities, and other benefits. This would allow you to take out smaller distributions every year. Please note that taxes must also be considered, but are not used in this simulation. A 401k, Roth IRA, and Traditional IRA are taxed differently than a standard investment account, as are dividends.

Note: This assumes that the future is at least somewhat like the past. In reality, anything could happen. The Soviet Union collapsed, Japan's Nikkei Index is still well below its 1989 peak. Numerous other markets have changed drastically and never recovered. However, this online tool is helpful in retirement planning and estimating how much you might need for retirement, especially those hoping to retire early. We recommend receiving advice from a financial planner.

Want to retire with $1,390,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14%
1 years$114,785$113,762$112,765$111,791$110,841$109,004
2 years$56,824$55,766$54,740$53,746$52,781$50,937
3 years$37,507$36,444$35,421$34,435$33,487$31,691
4 years$27,850$26,790$25,777$24,809$23,883$22,150
5 years$22,057$21,004$20,004$19,056$18,155$16,491
6 years$18,196$17,151$16,166$15,239$14,366$12,771
7 years$15,440$14,403$13,434$12,529$11,683$10,158
8 years$13,374$12,346$11,393$10,510$9,692$8,237
9 years$11,767$10,750$9,813$8,952$8,162$6,777
10 years$10,483$9,475$8,555$7,717$6,955$5,637
11 years$9,433$8,435$7,532$6,716$5,981$4,730
12 years$8,558$7,571$6,684$5,891$5,183$3,997
13 years$7,819$6,842$5,972$5,201$4,520$3,397
14 years$7,186$6,219$5,366$4,617$3,962$2,901
15 years$6,637$5,681$4,845$4,117$3,489$2,486
16 years$6,158$5,213$4,392$3,687$3,083$2,138
17 years$5,736$4,801$3,997$3,312$2,734$1,844
18 years$5,361$4,436$3,649$2,985$2,431$1,594
19 years$5,025$4,111$3,340$2,697$2,167$1,380
20 years$4,724$3,820$3,065$2,443$1,935$1,198
21 years$4,452$3,559$2,820$2,217$1,732$1,040
22 years$4,205$3,322$2,599$2,016$1,552$905
23 years$3,979$3,107$2,399$1,836$1,393$788
24 years$3,773$2,911$2,219$1,674$1,252$687
25 years$3,584$2,732$2,055$1,529$1,127$599
26 years$3,409$2,567$1,906$1,398$1,015$523
27 years$3,248$2,416$1,770$1,280$915$457
28 years$3,098$2,277$1,646$1,173$826$399
29 years$2,959$2,148$1,531$1,075$746$349
30 years$2,829$2,028$1,426$987$674$306
31 years$2,709$1,918$1,330$906$609$267
32 years$2,595$1,814$1,241$833$551$234
33 years$2,489$1,718$1,158$766$499$205
34 years$2,390$1,628$1,082$705$452$179
35 years$2,296$1,545$1,012$649$409$157
36 years$2,208$1,466$947$597$371$138
37 years$2,124$1,392$886$551$336$121
38 years$2,046$1,323$830$507$304$106
39 years$1,971$1,258$777$468$276$93
40 years$1,900$1,197$729$432$250$81
41 years$1,833$1,140$683$398$227$71
42 years$1,770$1,085$641$367$206$62
43 years$1,709$1,034$601$339$187$55
44 years$1,652$986$565$313$170$48
45 years$1,597$940$530$289$154$42
46 years$1,544$897$498$267$140$37
47 years$1,494$856$468$247$127$32
48 years$1,447$817$440$228$115$28
49 years$1,401$780$413$211$105$25
50 years$1,357$745$388$195$95$22

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,390,000, adding $2,979 every year, while hoping to spend $49,232 every year in retirement. These numbers increase with inflation.
Reality usually performs much different than the expected returns. This uses historical averages, but anything can happen. In general, riskier investments have greater returns on average, but more volatility in the short term.
Age Total: 100% Stocks Total: 100% Bonds Total: 100% Cash Total: 33/46/21 Blend
34$1,390,000$1,390,000$1,390,000$1,390,000
35$1,534,853$1,461,183$1,439,638$1,575,501
36$1,639,025$1,480,398$1,435,483$1,625,262
37$1,752,173$1,498,905$1,429,539$1,674,154
38$1,875,161$1,516,617$1,421,694$1,725,831
39$2,008,937$1,533,441$1,411,831$1,780,569
40$2,154,547$1,549,279$1,399,826$1,838,673
41$2,313,142$1,564,024$1,385,551$1,900,483
42$2,485,986$1,577,566$1,368,871$1,966,375
43$2,674,474$1,589,783$1,349,645$2,036,769
44$2,880,136$1,600,549$1,327,725$2,112,127
45$3,104,662$1,609,727$1,302,955$2,192,965
46$3,349,908$1,617,174$1,275,175$2,279,853
47$3,617,919$1,622,736$1,244,213$2,373,424
48$3,910,946$1,626,250$1,209,894$2,474,380
49$4,231,468$1,627,541$1,172,031$2,583,498
50$4,582,214$1,626,427$1,130,430$2,701,640
51$4,966,188$1,622,711$1,084,888$2,829,760
52$5,386,701$1,616,185$1,035,193$2,968,915
53$5,847,396$1,606,629$981,123$3,120,277
54$6,352,285$1,593,809$922,446$3,285,141
55$6,905,790$1,577,478$858,920$3,464,943
56$7,512,778$1,557,371$790,291$3,661,271
57$8,178,611$1,533,212$716,295$3,875,884
58$8,909,194$1,504,704$636,656$4,110,727
59$9,711,031$1,471,534$551,083$4,367,952
60$10,591,289$1,433,372$459,277$4,649,939
61$11,557,860$1,389,866$360,922$4,959,322
62$12,619,437$1,340,646$255,689$5,299,012
63$13,785,601$1,285,318$143,235$5,672,228
64$15,066,900$1,223,467$23,202$6,082,530
65$16,474,960$1,154,653$0$6,533,851
66$18,022,586$1,078,411$0$7,054,043
67$19,723,887$994,250$0$7,631,483
68$21,594,404$901,649$0$8,266,367
69$23,651,262$800,058$0$8,964,659
70$25,913,328$688,899$0$9,732,936
71$28,401,389$567,556$0$10,578,463
72$31,138,346$435,381$0$11,509,254
73$34,149,433$291,691$0$12,534,155
74$37,462,453$135,761$0$13,662,926
75$41,108,038$0$0$14,906,338
76$45,119,943$0$0$16,293,068
77$49,535,357$0$0$17,895,146
78$54,395,258$0$0$19,658,753
79$59,744,799$0$0$21,600,305
80$65,633,731$0$0$23,737,889
81$72,116,876$0$0$26,091,440
82$79,254,640$0$0$28,682,920
83$87,113,583$0$0$31,536,530
84$95,767,050$0$0$34,678,939
85$105,295,860$0$0$38,139,534
86$115,789,065$0$0$41,950,693
87$127,344,799$0$0$46,148,101
88$140,071,192$0$0$50,771,075
89$154,087,400$0$0$55,862,942
90$169,524,723$0$0$61,471,445
91$186,527,845$0$0$67,649,196
92$205,256,202$0$0$74,454,170
93$225,885,480$0$0$81,950,250
94$248,609,279$0$0$90,207,836
95$273,640,935$0$0$99,304,503
96$301,215,535$0$0$109,325,738
97$331,592,137$0$0$120,365,742
98$365,056,209$0$0$132,528,324
99$401,922,329$0$0$145,927,874
100$442,537,150$0$0$160,690,451